An expense tracker without a bank connection: how Spendimo works
Track spending manually or scan receipts on your device. Learn what works offline, what an account adds, and how optional sync handles your data.
Spendimo is a personal expense tracker for iPhone and iPad that does not connect to your bank. You add expenses and income yourself, or scan a receipt and review the details before saving. Everyday tracking works without an account.
That makes it a fit for people who want to record cash, card purchases, and shared costs in one place without linking financial accounts. It also means Spendimo cannot automatically discover a purchase you have not recorded.
Spendimo is available on the App Store. Here is how its first release handles entry, offline use, and optional sharing.
How to track expenses without linking a bank account
For a purchase such as a coffee, enter the amount, choose a category, and add a description. For familiar purchases, Spendimo suggests details from previous entries. Review them before saving.
For a paper receipt, take a photo or choose one from your library. Receipt recognition runs on your device and reads details such as the merchant, date, and total. Check the result and correct anything it missed. A faded total, unusual layout, or blurred photo can affect recognition.
Your saved entries feed the monthly totals and category breakdowns. You can also record income and recurring bills. These are records of your money: Spendimo does not read your bank balance, move funds, or pay a bill for you.
What you gain, and what you need to do yourself
You decide which purchases to record and which details to keep. Cash spending follows the same entry process as a card purchase. You do not need to find your bank in a supported-bank list or provide banking credentials.
The tradeoff is completeness. A manual expense tracker only knows about entries you save. If you forget a purchase, the monthly total will not include it. Reviewing your entries against your own receipts or statements can help you spot omissions.
If you need automatic bank imports, configurable spending budgets, or savings goals, Spendimo’s first release does not provide those features. Its purpose is to help you record and understand spending.
What works offline?
You can add and edit entries, scan receipts, view local trends, and export CSV without a connection. Device sync and partner updates need the internet.
Currency conversion has its own requirement. Spendimo supports entries in 31 currencies. A free account and a connection are needed to download exchange rates; rates already saved on the device remain available offline. If a needed rate is missing, the entry stays in its original currency until conversion is available.
The rates are European Central Bank reference rates, which may differ from the amount a card issuer charges. On days without a published rate, Spendimo uses the most recent available published rate.
Where do receipt photos go?
Reading a receipt and syncing its photo are separate steps. Receipt recognition always happens on your device. The saved photo stays with its expense locally unless you enable optional Pro receipt sync, which is off by default.
If you enable receipt sync, eligible photos already saved on the device can upload too. Synced photos are stored in your account so your other devices can access them; photos on shared records can also be visible to your partner.
Turning receipt sync off stops new uploads. It does not remove photos already uploaded. Delete the receipt, its expense, or your account to remove the corresponding server copies, subject to the backup retention described in the Privacy Policy.
Do I need an account or a subscription?
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| How you use Spendimo | What stays local or connects |
|---|---|
| Without an account | Everyday entries, single receipt scanning, basic trends, and CSV export work locally. |
| With a free account | Account details are stored for sign-in and account services. You can download exchange rates; financial entries do not sync. |
| With Pro | Financial entries sync to your account on our server in Germany. Pro also adds partner sharing, advanced insights, PDF reports, and bulk receipt scanning. |
| With Pro receipt sync enabled | Eligible receipt photos upload separately. The toggle is off by default. |
Spendimo has no advertising networks or behavioral analytics. Apple and RevenueCat handle subscriptions, and RevenueCat provides purchase reporting. Opening the subscription screen contacts those services even without a Spendimo account. This is different from tracking which purchases you enter or which screens you use.
See the Free and Pro comparison and full privacy disclosure for the details.
Can I share expenses without sharing all my spending?
Yes. With Pro, you invite your partner and choose the records to share. Private entries and personal totals stay private. Your partner reviews shared records, and each person’s totals reflect their own share.
One subscription covers both partners. Both people use their own accounts, and shared updates need a connection. Spendimo records the split; any actual payment between you happens separately.
Our guide to splitting expenses as a couple shows how to choose a ratio and work through an example.
Can I take my records with me?
CSV export is included in Free. It gives you your expense and income records with original amounts and currencies, which you can open in Excel or Numbers.
CSV import is not available in the first release. Keep an export for your own records, but do not treat it as a file you can currently restore into Spendimo. For account-based recovery across devices, Pro provides sync; receipt photos are included only if receipt sync was enabled.